Niva Bupa Health Premia – Individual Health Insurance Plan

Niva Bupa Niva Bupa Health Premia Individual insurance plan details

Platinum plan
Base Sum Insured	1 Cr / 2 Cr / 3 Cr
Benefits
In Patient Care	Covered Upto Sum Insured
Room rent	Covered Upto Sum Insured
Pre-Hospitalisation Medical Expenses (90 days)	Covered Upto Sum Insured
Post-Hospitalisation Medical Expenses (180 days)	Covered Upto Sum Insured
Day Care Treatment	Covered Upto Sum Insured
Domiciliary Hospitalisation	Covered Upto Sum Insured
Alternative Treatment	Covered Upto Sum Insured
Living Organ Donor Transplant	Covered Upto Sum Insured
Child Care Benefits (Vaccinations for children up to 12 years including one consultation for nutrition and growth during the visit for vaccination)	Covered Upto Sum Insured
Specified Illness Cover (1) (outside the geographical boundaries of India for worldwide excluding USA & Canada)	Covered up to Sum Insured
Emergency assistance services (only within India) - Medical referral - Emergency medical evacuation (air ambulance) - Medical repatriation - Compassionate visit - Care and/or transportation of minor children - Return of mortal remains	Covered Upto Sum Insured
New Born Baby (covered uptill the end of Policy Year) (2)	Covered Upto Sum Insured
Vaccination of the new born baby	Covered until new born baby completes one year, vaccinations as per pre-defined list
Emergency Ambulance	Network Hospital: Covered up to Sum Insured Non-network Hospital: Covered up to Rs. 2,000 per event
HIV / AIDS (waiting period of 4 years)	Covered up to Rs 50,000
Modern Treatments	Covered up to Sum Insured with sub-limit of Rs. 1 Lac on few robotic surgeries
LASER surgery cover (waiting period of 3 years)	Covered up to Rs 1,00,000
Mental disorder treatment (waiting period of 3 years)	Covered up to Sum Insured (sub-limit of Rs 1,00,000 applicable on few conditions)
Second Medical Opinion	Covered worldwide, One opinion per Insured Person per Specified Illness / planned Surgery
Premium Waiver	One-time premium waiver if the Policyholder dies or suffers from specified illness
Pharmacy and diagnostic services	Available through our empanelled service provider
e-Consultation	Unlimited tele / online consultations
International coverage (outside the geographical boundaries of India for worldwide excluding USA & Canada)	Condition: Annual multi trip (Max 45 days coverage in a single trip); International Sum Insured: up to Rs. 1 cr per insured person
Emergency Hospitalisation	Covered up to International Sum Insured
Emergency Medical Evacuation	Covered up to International Sum Insured
Compassionate Visit	Covered up to International Sum Insured
Care and/or transportation of Minor Children	Covered up to International Sum Insured
Return of Mortal Remains	Covered up to International Sum Insured
Medical Referral	Covered up to International Sum Insured
Medical Repatriation	Covered up to International Sum Insured
OPD Cover	Covered up to International Sum Insured with a co-payment of 20%
Loss of Passport	Covered up to Rs 20,000
Loss of Checked-in baggage	Covered up to Rs 10,000
Trip Cancellation & Interruption	Rs 25,000
Trip Delay	Rs 10,000
Delay of Checked-in Baggage	Rs 5,000
OPD Treatment and Diagnostic Services (3)	Covered up to Rs 50,000 per policy
Health Check-up (from Day 1)	Annual, tests covered up to worth Rs 10,000 per Insured Person
Maternity Benefit (covered for up to 2 pregnancies or terminations) (2)	Covered up to Rs 200,000 (worldwide excluding USA & Canada)
Loyalty Additions	Increase of 10% of expiring Base Sum Insured in a Policy Year; maximum up to 100% of Base Sum Insured
Re-fill Benefit	Reinstate up to base Sum insured. Applicable for same & different illness as well
Optional Benefits
Personal Accident Cover (for insured aged 18 years & above on individual basis)	1 Cr
Critical illness cover (for insured 18 years & above on individual basis)	25 lacs / 50 lacs / 1 Cr
Enhanced Loyalty Addition	Increase of 20% of expiring Base Sum Insured in a Policy Year; maximum up to 200% of Base Sum Insured
International Coverage Extension (outside the geographical boundaries of India for worldwide excluding USA & Canada)	Double Sum Insured for ‘international coverage’ benefit
Hospital Cash (4)	Rs 7,500/day
Enhanced Geographical Scope for International Coverage	USA & Canada included for Maternity Benefit, Specified Illness and International coverage
Health Coach	Personalised health coaching for insured aged 18 years & above for any 90 days per Policy Year
Notes:	(1) The symptoms of the Specified Illness first occur or manifest itself during the Policy Period and after completion of the 90 day from the inception of 1st Policy with us. (2) Subject to a continuous coverage of 24 months of that Insured Person since the inception of the first Policy which offers Maternity benefit with us. (3) 80% of the untilized amount in a policy year gets carried forward to next year; provided the total amount shall not exceed 2.5 times of the benefit limit. (4) Hospital Cash - Minimum 48 hrs of continuous hospitalisation required. Maximum coverage offered for 30 days/policy year/insured person. Payment made from day one subject to hospitalisation claim being admissible.

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